Countdown to 2007

Hi Guys n Girls,

Hope you all had a great Christmas, this is just a small posting as not much happened over the Christmas period, no phone calls from creditors which is nice for a change and now I am just counting down the days to my creditors meeting. Ive tried to answer everyones emails, I do get quite a lot so apologies if I have answered them a bit late. Hope you all have a good new year and get drunk.

Creditors Meeting

Yahhh, got the date of my creditors meeting today.

The 8th January.

My IP called me and I also got a letter that shows my proposal that went out to all my creditors today so it is good to have a date and put in my mind when this will be all be over.

Would of liked it done before xmas but had a few problems with receiving my post.

Weird feeling now cos it's kind of a relief and kind of made me more nervous.

Useless creditors

I thought nothing would shock me but still it does.......
At 17:32 tonight I had a call from one fo my creditors chasing me for cash so I explained to them that my IP is sending out my proposal to them this week and next and they were ok with that.
Then just 17 MINS later they called again chasing me for money, I got quite angry with them and her only excuse was, "we can not stop the calls". Two calls in 17 mins now that is ridiculous.
The thing that topped it and put the cherry on the cake was the second call I had I let it go to answer machine at first and who ever called me did not hang up when he left a message, so I had 4 mins of him chatting to his mates saying " mines the chablis" and "whos getting changed next" so nice and professional there.
If you want to the very professional company name is Lowell Financial.

NO MORE ADVERTS

EXCUSE THE CAPITAL LETTERS....

THIS IS TO EVERYONE WHO KEEPS PUTTING ADVERTS FOR SCAMS ON MY COMMENTS, CAN YOU STOP DOING THIS AS IT IS POINTLESS BECAUSE I WILL JUST REMOVE THEM. DONT PROMISE PEOPLE LOTS OF CASH, THE BEST WAY TO DO IT IS HARD WORK AND HONESTY. SO ANYONE WHO READ THE BLOG, IF YOU SEE AN ADVERT ON THIS BLOG IN ONE OF THE COMMENTS IGNORE IT.

THANK U

Thou shalt not pay thy bills (even if thy want to)

Got a bit annoyed a couple of days ago as went to pay my mobile bill at HSBC as I always do and they tried to charge me £5 because I'm not a customer.

Then when I complained, they said they could not serve me during peak hours anyway!

Anyway, I'm off work sick today so here is me telling the whole tale.

Merry Xmas from me...and bah humbug from my creditors!

Hello all

Just wanted to say thank you again for all your comments.

I'm waiting for a date for my creditors meeting.

Also, I've got my camera again so I thought I'd tell you about how it's going for me trying to budget at Xmas and also about all the lovely calls from creditors I've been getting.

Enjoy!

Junk Mail - GRRRRRRR

Well today was a new one on me, it still shocks me. I had some post forwarded onto me by my parents and as you can see in the picture ive attached they had to pay the postage because they did not pay enough, and it cost £1.23.

Wondering what it was, I opened it only to find a bloody junk mail letter saying “ Following your recent CCJ, we would like to offer our help” Basically they are one of those flyby night loan companies, im thinking about calling them up and asking for the £1.23 back.

But hey, it is my works xmas dinner tomorrow so that’s something to look forward too, turkey, stuffing, booze and mistletoe.

Proposal

Well yesterday I got my proposal through from my IP (Insolvency Practitioner), and that is the letter and documents that will be sent out to the creditors telling them how much I can afford and what I am offering.

So I signed that like 10 times, just to say I agree with everything. Posted it back to my IP that same day so he gets it quick.

I know from some emails I have had from people that their process has actually gone quicker than mine but I suppose that can happen, I did have lots of trouble with my postman stealing the post so that delayed me loads.

My IP says he will try and arrange the creditors meeting for Jan 2007 and if it all get agreed and goes good then I will be paying £391 a month for 60 months.